The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. What are the insurance company’s responsibilities to their policyholders with regard to providing any adjuster’s reports, ALE expenses and any timeline they are ruled by? Insurance company says I am not eligible for ALE because I…
Many people might be surprised that having an adjuster look at your claim is only the beginning of the insurance claim process. Remember, the field adjuster that inspected your property may not be an employee of the insurance company. They are typically independent adjusters on contract and typically are paid a set fee or percentage…
As policyholders begin to hear back from their insurance company, many will learn that the amount offered by their respective insurer is not sufficient to pay for their complete loss and damages. Some may even learn part of their claim is denied. This is common when there is widespread damage to a geographic area and…
Thank you to our Orlando Public Adjuster Brad Barrett for answering the following question: Q. I had damage to my roof during a storm. Shingles blown off as well as some hail. Insurance told me to get 3 estimates which I did and then sent their adjuster out and he wrote me a check. The 3 estimates said…
Last week, I was interviewed by Deirdre Fernandes who covers the insurance industry for the Boston Globe. Her story Pricey car insurance policies test consumers discussed how more policyholders were likely to shop around for both home and auto insurance after the brutal winter left many homeowners disillusioned with their claim settlements and the coverage increases the insurance firms…
As we continue to help our clients who experienced winter storm damage, settle their insurance claims, we are learning more and more about insurance company claim practices and procedures, some which is quite troubling. This winter in the northeast, we endured some grueling battles with insurance companies which I will detail below. No doubt, insurance…
While most folks are enjoying the spring weather and looking forward to summer vacations with outdoor time with the family, others are still working through the insurance claim adjustment process dealing with adjusters and contractors. Yes, as hard as it may seem, a lot of folks are still struggling with losses over the last twelve…
Over the past few months, we have been helping businesses and homeowners try to settle their insurance claims from the extreme Winter Storm damage that has impacted enough property owners in Massachusetts and throughout the Northeast & New England area that this storm rivals the damage done by other major storms we have worked. As…
As we transition into Spring, hail storms will cause severe property damage to roofs, siding, screen enclosures and any other structure within its path. As public adjusters, we consistently see insurance company claim adjusters minimizing the damage and trying to do patch work. This can lead to real differences of opinion between the policyholder and…
Let me explain with an example of a claim that came across my desk that should be instructive laying out the steps policyholders should take when the dreaded denial letter comes in the mail from your insurance company. First, don’t panic. You may be able to turn things around provided you have requested all the…